Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Philippine Trust CoPHS:PTC 68 Cash-to-Debt is No Debt (1) as of Mar. 2026, which is 100% below its 10-year median of 10,000.00. GuruFocus rates PHS:PTC with a GF Score™ of 68/100 and a GF Value™ of ₱100.87 (Modestly Undervalued). Among 1,484 Banks companies, Philippine Trust Co ranks better than 92.79% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Philippine Trust Co's cash to debt ratio for the quarter that ended in Mar. 2026 was No Debt (1).
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Philippine Trust Cocould pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.
(1) Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
The historical rank and industry rank for Philippine Trust Co's Cash-to-Debt or its related term are showing as below:
PHS:PTC'
s Cash-to-Debt Range Over the Past 10 Years
Min: 45.6 Med: No Debt Max: No Debt
Current: 107.61
During the past 13 years, Philippine Trust Co's highest Cash to Debt Ratio was No Debt. The lowest was 45.60. And the median was No Debt.
PHS:PTC's Cash-to-Debt is ranked better than 92.79% of 1484
companies
in the Banks industry
Industry Median: 1.4
vs PHS:PTC: 107.61
Philippine Trust Co (PHS:PTC) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Philippine Trust Co Cash-to-Debt Related Terms
Philippine Trust Co Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Philippine Trust Co's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
Philippine Trust Co Cash-to-Debt Competitor Comparison
For the Banks - Regional subindustry, Philippine Trust Co's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Philippine Trust Co Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Philippine Trust Co's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Philippine Trust Co's Cash-to-Debt falls into.
Philippine Trust Co's Cash to Debt Ratio for the quarter that ended in Mar. 2026 is calculated as:
Philippine Trust Co had no debt (1).
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Cash-to-Debt of No Debt <sup>(1)</sup> mean?
Philippine Trust Co (PHS:PTC) has a Cash-to-Debt of No Debt (1) as of Mar. 2026. This is 100% below median its historical median of 10,000.00. Over the past decade, Philippine Trust Co's Cash-to-Debt has ranged from 45.60 to 10,000.00. According to the industry distribution chart, Philippine Trust Co ranks #107 out of 1484 companies in the Banks industry, placing it in the top 7.2%.
Is Philippine Trust Co's Cash-to-Debt too high?
Philippine Trust Co's current Cash-to-Debt of No Debt (1) is 100% below median its 10-year median of 10,000.00. Over the past 10 years, this metric has ranged from a low of 45.60 to a high of 10,000.00. Based on the distribution chart, Philippine Trust Co ranks #107 out of 1484 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Philippine Trust Co has a GF Score™ of 68/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippine Trust Co's Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, Philippine Trust Co ranks #107 out of 1484 companies for Cash-to-Debt. This places Philippine Trust Co in the top 7% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 1.40. Historically, Philippine Trust Co's own Cash-to-Debt has ranged from 45.60 to 10,000.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.40, based on 1,484 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippine Trust Co's current Cash-to-Debt is No Debt (1), which is 100% below median its own 10-year median of 10,000.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Philippine Trust Co stock overvalued right now?
Based on GuruFocus' analysis, Philippine Trust Co (PHS:PTC) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱100.87, compared to a current price of ₱90.00 — trading 10.8% below its estimated fair value. The current Cash-to-Debt is No Debt (1), which is 100% below median its 10-year median of 10,000.00. Philippine Trust Co's overall GF Score™ is 68/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Philippine Trust Co (PHS:PTC), the current Cash-to-Debt is No Debt (1) as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Philippine Trust Co (PHS:PTC) Overvalued in 2026?
Based on GuruFocus' analysis, Philippine Trust Co stock appears to be undervalued.
The current stock price of ₱90.00 is trading 10.8% below its estimated GF Value™ of ₱100.87.
GuruFocus considers Philippine Trust Co to be Modestly Undervalued.
Key valuation signals for PHS:PTC:
Cash-to-Debt: No Debt (1) (100% below median its 10-year median of 10,000.00)
GF Value™: ₱100.87 vs. price of ₱90.00 (10.8% below fair value)
No single metric tells the full story. See the PHS:PTC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Philippine Trust Co is engaged in the commercial banking business. It offers various products and services such as deposit products, loans, international services, treasury, and trust functions. The company also provides investment management, estate administration, escrow services, insurance and pension plans, stock registry, and transfer services. Its services are offered through a network of branch offices and ATMs located across different regions in the Philippines. The company operates in two key business segments: Lending, which generates maximum revenue, and Treasury operations.
68GF Score
Get the complete analysis for PHS:PTC
Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PHS:PTC has been successfully added to your 
